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In New Zealand, Taylor attended St Catherine's College, Wellington. She received her initial fashion training as part of Access, a government scheme, training at the Bowerman School of Design. She then went on to study Fashion Design at Wellington Polytechnic (now Massey University). One of her first jobs on the scheme was making clothes for Peter Jackson's Meet the Feebles’ puppet characters. After arriving in New York with $600 to her name, Taylor was eventually hired by fashion designer Cynthia Rowley, under whom she worked for six years.

She débuted at New York Fashion Week as part of the Gen Art Styles competition in the late 1990s, before doing her own catwalk show in 1999.

Feminine, modern, refined, cool…Rebecca Taylor provides sophisticated garments of fine fabrics and artisanal techniques resulting in a downtown cool refined aesthetic. Rebecca’s seaside influence from her New Zealand upbringing combined with a coming of age in New York has given her a deft hand at mixing textures and structure while maintaining a level of femininity. The collection focuses on modern romanticism crafted with high level of detail and polished tailoring. Rebecca’s daily inspiration is the contemporary woman - her spirited life and her individual style. Her commitment to designing beautifully constructed pieces with an effortless sensibility has established a cult following that includes celebrities, influencers and consumers.

She is married to Wayne Pate, who was introduced to her via mutual friends. Her younger sister, Victoria Taylor, is a nationally known jewellery designer in Wellington, New Zealand, and débuted her Tory Jewellery Company range at one of Rebecca Taylor's catwalk shows in New York.